Group Life Insurance

/Group Life Insurance

Group Life Insurance Products

Group life insurance enables an organization to protect its employees against the major uncertainties of life at an affordable cost. Group life insurance is often provided as part of a complete employee benefit package. In most cases, the cost of group coverage is far less than what the employees or members would pay for a similar amount of individual protection.

Having life insurance can help your employees have confidence that, should they meet an unfortunate event, their family will have a financial safety net to replace lost income, cover final expenses, everyday living expenses, and long-term obligations that may otherwise cause them financial strain.

National Life and General Insurance Company offers a varied spectrum of benefits in addition to standard Death cover under a Group Life Insurance policy. This may be customised as per the requirements of your organisation.

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Basic Covers

Death due to any cause

In case of unfortunate event of death, we will pay the sum insured as a lump sum amount. You can select the sum insured based on any of the below criteria:
• Multiples of annual or monthly earnings.
• Grade or designation.
• Fixed for all employees.

Terminal Illness Benefit

In case your employee is diagnosed as terminally ill, a lump sum amount will be paid by us.

Value Added Benefits offered

Accidental Death Benefit

In case an employee dies due to accident, an amount additional to the principal sum will be paid.

Permanent Total and Partial Disability (Accident and/or Sickness*)

If your employee is diagnosed with a total and permanent disability due to accident and/or sickness, we will pay a lump sum amount. In case of permanent partial disability, a percentage of life sum insured will be paid.

Temporary Total Disability (Accident and/or Sickness*)

This benefit will compensate wages, in case an employee is unable to report to work due to temporary, total and continuous disability caused by accident and/or sickness. You have the option to choose the payout time (52 weeks or 104 weeks), subject to a waiting period(*Sickness component can be added to this benefit. However, it cannot be offered on a stand-alone basis.)

Accidental Medical Expenses

Your employees will be reimbursed medical expenses incurred because of bodily injury caused by an accident. The reimbursement will be done as per the reasonable and customary prices in our network. You have the option to select the maximum limit of reimbursement.

Repatriation Expenses

In the event of unfortunate death or permanent total disability of an employee, we will reimburse the reasonable and customary expenses for repatriation of mortal remains. The reimbursement will also include economy class air fare for an accompanying person. You can select the maximum limit for this benefit.

Critical Illness (Additional or Accelerated option)

We will pay a lump sum amount if your employee suffers from one of the defined Critical Illness. The amount can be fixed or a percentage of basic sum assured, as chosen by you.